The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$99,471
−HK$6,237/mo
▼ 0.25% · 3.875%
HK$102,565
−HK$3,143/mo
Today · 4.125%
HK$105,708
baseline
▲ 0.50% · 4.625%
HK$112,140
+HK$6,432/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$211,416/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,853,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,660
−HK$5,979/mo
▼ 0.25% · 3.875%
HK$113,628
−HK$3,011/mo
Today · 4.125%
HK$116,639
baseline
▲ 0.50% · 4.625%
HK$122,787
+HK$6,148/mo
Deposit HK$21.81M · loan HK$21.81M · min. income ≈ HK$233,278/mo (50% DSR)
Upfront cash ≈ HK$23.67M (deposit + AVD stamp duty HK$1,853,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,365
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,078
−HK$3,772/mo
Today · 4.125%
HK$126,850
baseline
▲ 0.50% · 4.625%
HK$134,568
+HK$7,718/mo
Deposit HK$17.45M · loan HK$26.17M · min. income ≈ HK$253,700/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,792
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,353
−HK$3,613/mo
Today · 4.125%
HK$139,966
baseline
▲ 0.50% · 4.625%
HK$147,344
+HK$7,378/mo
Deposit HK$17.45M · loan HK$26.17M · min. income ≈ HK$279,932/mo (50% DSR)
Upfront cash ≈ HK$19.30M (deposit + AVD stamp duty HK$1,853,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,259
−HK$8,733/mo
▼ 0.25% · 3.875%
HK$143,591
−HK$4,401/mo
Today · 4.125%
HK$147,992
baseline
▲ 0.50% · 4.625%
HK$156,997
+HK$9,005/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$295,984/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$154,924
−HK$8,370/mo
▼ 0.25% · 3.875%
HK$159,079
−HK$4,215/mo
Today · 4.125%
HK$163,294
baseline
▲ 0.50% · 4.625%
HK$171,902
+HK$8,608/mo
Deposit HK$13.09M · loan HK$30.54M · min. income ≈ HK$326,588/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,853,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$179,047
−HK$11,228/mo
▼ 0.25% · 3.875%
HK$184,616
−HK$5,659/mo
Today · 4.125%
HK$190,275
baseline
▲ 0.50% · 4.625%
HK$201,853
+HK$11,578/mo
Deposit HK$4.36M · loan HK$39.26M · min. income ≈ HK$380,550/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,853,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$199,188
−HK$10,762/mo
▼ 0.25% · 3.875%
HK$204,530
−HK$5,420/mo
Today · 4.125%
HK$209,950
baseline
▲ 0.50% · 4.625%
HK$221,016
+HK$11,066/mo
Deposit HK$4.36M · loan HK$39.26M · min. income ≈ HK$419,900/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$1,853,959 · Scale 2, in force from 26 Feb 2026)